Senior Credit Analyst

Fifth Third Bank

. Support end-to-end underwriting and portfolio monitoring activities in collaboration with Portfolio Managers, Underwriters, and Credit Risk partners .

Posted 10/16/2026full-timeSan Jose • California • United StatesSenior💰 $71,100 - $145,900 per yearWebsite

Core Competencies

Role fit

Core Competencies

Use this summary to align your resume positioning with the role.

Demonstrates expertise in financial analysis, credit risk assessment, and portfolio monitoring, with a strong ability to prepare detailed credit approval memoranda and manage compliance with banking regulations. Proficient in developing financial models and providing analytical support to junior analysts.

Highest-signal resume keywords

Financial AnalysisCredit Risk AssessmentPortfolio MonitoringFinancial ModelingMicrosoft Excel Proficiency

ATS Keywords

Tailor your resume

Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills

Credit AnalysisUnderwritingFinancial Statement ReviewProjection ModelsSensitivity AnalysisCovenant ComplianceRisk-Rating Model ExecutionData Integrity ManagementCredit Approval Memoranda PreparationFinancial Spreads Review

Soft Skills

Analytical JudgmentProblem-SolvingAttention to DetailWritten CommunicationVerbal Communication

Tools & Technologies

Internal Banking SystemsMicrosoft OfficePowerPoint

Industry Keywords

Commercial BankingCorporate Legal StructuresU.S. Banking RegulationsCredit StructuresFinancial Products

About the role

Key responsibilities & impact

Support end-to-end underwriting and portfolio monitoring activities in collaboration with Portfolio Managers, Underwriters, and Credit Risk partners
Independently analyze borrower and guarantor financial statements, including cash flow sustainability, leverage, liquidity, and profitability trends
Prepare concise, well-supported credit approval memoranda with company and industry analysis, credit risks and mitigants, historical financial analysis, and base/downside projection models
Develop, review, and validate historical financial charts, projection models, and sensitivity analyses
Manage portfolio monitoring activities, including covenant compliance, financial statement reviews, and risk-rating model execution and validation
Review and challenge completed financial spreads and resolve edits or inconsistencies
Prepare Criticized Period Reviews and portfolio analysis materials for management and risk committees
Ensure accuracy, integrity, and timeliness of credit data across internal systems and reports
Resolve data, documentation, or analysis deficiencies and escalate issues with clear recommendations
Identify emerging risks, adverse trends, or policy exceptions and escalate concerns timely
Serve as a technical and analytical resource for junior analysts, assisting with training, onboarding, and informal coaching
Contribute to special projects, portfolio initiatives, and process improvement efforts

Requirements

What you’ll need

Bachelor’s degree in Business, Finance, Accounting, or a related field
3+ years of experience in Commercial Banking, credit analysis, underwriting, or a related role
Strong understanding of financial analysis and credit risk assessment, including development and review of financial models and projections
Advanced working knowledge of commercial banking products, services, and credit structures
Solid understanding of corporate legal structures and common credit-related legal documents
General knowledge of U.S. banking regulations and supervisory expectations
Proficiency in internal banking systems and applications
Strong written and verbal communication skills with the ability to clearly convey complex analysis
Demonstrated analytical judgment, problem-solving capability, and ability to manage multiple priorities independently with strong attention to detail
Advanced proficiency in Microsoft Office applications, particularly Excel and PowerPoint

Benefits

Comp & perks

Incentive compensation plan eligibility based on company, line of business and/or individual performance
Comprehensive benefits supporting physical, financial, emotional and social well-being
Benefits programs designed to support employees and their families